2. Four asset management companies purchase, manage and dispose of four state-owned commercial banks and (. China Development Bank).

At present, the operational goal of China's monetary policy is the base currency, and the intermediate goal is the money supply.

Among the main members of the syndicated loan, the (lead bank) is responsible for accepting the entrustment of the borrower, planning and organizing the syndicated loan, and arranging the loan issuance.

The interest rate of interbank lending varies with the supply and demand of funds, and is often used as the benchmark interest rate in the money market.

Which one is not the sales channel of China open-end fund? (Insurance company sells on a commission basis)

7. Long-term subordinated debt included in tier 2 capital shall not exceed 50% of core capital.

8. Adjusting the benchmark interest rate of the central bank is one of the main interest rate instruments adopted by the People's Bank of China. Which of the following does not belong to the benchmark interest rate of the central bank? (d) legal deposit and loan interest rates of financial institutions

The most important indicator to measure the quality of bank assets is (non-performing loan ratio).

10 The interest rate determined by non-governmental financial organizations belongs to (public interest rate).

1 1. The function of the People's Bank of China as stipulated in Article 2 of the Law on the People's Bank of China is to (manage the central financial expenditure).

12 RMB savings deposit interest income tax, interest tax rate is (5%).

13 in 2007, the national financial work conference decided to first promote the reform of China Development Bank and fully implement its commercial operation. Policy business should be implemented (A. Bidding system)

14 the main task of China agricultural development bank is to raise agricultural policy credit funds based on (b) national credit according to national laws and regulations, undertake agricultural policy financial business stipulated by the state, and allocate financial funds for supporting agriculture as an agent to serve the development of agriculture and rural economy.

In the 15 statement of credit analysis of commercial banks, (d) financial analysis mainly includes macro analysis, industry analysis, business analysis and management analysis is wrong.

16 C. The bank president is the ultimate person in charge of taking specific risks.

The fluctuation of 17 exchange rate is limited by the transportation cost of gold, and the balance of payments of various countries can be adjusted automatically. This monetary system is (B. gold standard).

18 bank shareholders are most concerned about financial indicators (B. profit rate of funds).

19 the contract cancelled by the people's court (d) has no legal effect since the date of cancellation by the people's court.

Before 1960s, the risk management of commercial banks was in the stage of asset management, with the emphasis on (b) maintaining the liquidity of assets.

2 1. The qualification of civil subject declared bankrupt according to law refers to (a. bankruptcy ability).

22. The intuitive criterion for judging money laundering is (d) the purpose of the transaction.

23. from (a. 1948 65438+ 10/0/), the people's bank of China began to exercise the functions of the central bank.

24. Rural credit cooperatives began to carry out reforms with "three natures" as the main content in (A. 1984).

) years.

25. The transitional period of China's accession to the World Trade Organization ended (2006).

By the end of February 2006, 27 foreign banks had invested in banks in China.

By the end of February 2006, 74 foreign banks had set up branches in China.

28. The Measures for the Administration of Financial Leasing Companies was formally implemented (1March 2007).

29. Among the commercial banks not listed on the Shanghai Stock Exchange are (China Construction Bank). 30. Banking in China does not include (b) investment banks.

3 1. The first inter-provincial branch of city commercial bank was established in 2006.

32. The first rural joint-stock commercial bank in China was established in (200 1).

33. The first rural cooperative bank in China was established in 2003.

34. The first trust and investment company in New China was established (1979).

35. What does not belong to the positioning of China postal savings market is (developing innovative financial products).

36. The following belongs to the Professional Committee of China Banking Association (D. Syndicated Loan and Trading Committee).

Small and medium-sized commercial banks include joint-stock commercial banks and city commercial banks.

Producer price index refers to the fluctuation range of wholesale prices of a group of ex-factory products.

The most commonly used measure of inflation is the consumer price index.

40. The following depositors in basic deposit account have (ABCD).

A. residents' committees B. foreign institutions in China C. organs D. enterprise legal persons

4 1 There are generally three remittance methods: telegraphic transfer, money order transfer and letter transfer.

The main bodies of issuing financial bonds are policy banks, commercial banks, enterprise group finance companies and other financial institutions.

The following are the current items in the balance of payments.

A. Direct investment B. Corporate credit C. Labor revenue and expenditure D. Remittance

44. The following belong to China's commodity futures market (ABCD).

A. Dalian B. Zhengzhou C. Shanghai D. China Finance

45. Forfaiting means giving up in English, including (BC).

B. When the exporter sells the bill, he gives up all rights and interests in selling the bill.

The bank buys out the draft and waives the right of recourse for the money discounted by the exporter.

46. The following statement about foreign exchange pricing method is correct (AD).

A. Under direct quotation, the smaller amount is the foreign exchange buying price, and the larger amount is the foreign exchange selling price. Most countries use direct quotation.

Indirect pricing method is also called receivable pricing method, and direct quotation method is also called payable pricing method.

48. after the signing of the loan contract, if the lender who has the obligation to perform first has definite evidence to prove that the borrower has one of the following circumstances, the lender may exercise the right of defense of performing first (or the right of defense of uneasiness), suspend the delivery of the agreed amount, and require the borrower to provide appropriate guarantee? (ABC) A. Deterioration of business conditions

D. Transfer property, withdraw funds and evade debts C. Lose business reputation

49. According to the Guarantee Law, the rights that can be pledged include (ABD).

A. Bills of exchange, promissory notes and cheques B. Certificates of deposit, warehouse receipts and bills of lading

B.d. legally transferable shares and stocks

50. Which of the following organizations has the function of risk supervision and management? (automatic call distributor)

A. Board of Supervisors B. Supervision Office C. Financial Control Department D. Internal Audit Department

5 1. About interbank lending, the statement is incorrect (ABD).

A. Lenders and borrowers are limited to commercial banks. B the lender's funds can only be used for issuing working capital loans.

C. overnight loans generally do not require collateral. D. the loan interest rate is set in advance by the central bank.

52. At present, the regulation of interest rate control in China is (ACD).

A. The People's Bank of China is the sole authority to manage interest rates.

B China Banking Regulatory Commission is the only institution that manages interest rates.

C. commercial banks can reduce the deposit interest rate according to regulations.

D. commercial banks are free to raise deposit interest rates.

Small and medium-sized commercial banks include joint-stock commercial banks and city commercial banks.

54 China People's Bank Shanghai Headquarters Responsibilities

1. Organize and implement the open market operation of the central bank;

2. Undertaking rediscount business in Shanghai;

3. Analyze the influence of market tools on monetary policy and financial stability, monitor and analyze the development of financial markets, and guard against cross-market risks;

4. Closely follow the financial market, undertake the collection, summary and analysis of relevant financial market data, and regularly submit various financial dynamic information and research reports;

5, research and guide the innovation of financial products, and promote the coordinated and healthy development of financial markets;

6. To undertake relevant regional financial exchanges and cooperation.

7. Coordinate and manage Shanghai Gold Exchange, China UnionPay and other related institutions.

55. The banking industry in China consists of (ABCD).

A. central bank b regulator c self-regulatory organization d banking financial institution e investment bank 56. Regarding the characteristics of the forfaiting business of banks, the following statement is true (CD).

A. Forfaiting business belongs to derivative products business.

B the exporter sells the bills, but retains part of the rights and interests of the sold bills.

C. Banks (or package buyers) discount the long-term acceptance bills or promissory notes held by exporters by deferred payment in international trade without recourse.

D the bank (including the buyer) bears all the risks of bill dishonor, and it has the financing nature of long-term fixed interest rate.

57. The balance of payments includes (ABD).

A. Trade balance B. Labor balance C. Foreign direct investment in China D. Donations to other countries

58. What are the factors that promote the development of banks in economic development? (advertising)

A. Investment and financing needs B. Consumer needs C. Technology needs D. Service needs 59. Bank asset preservation refers to the bank's use of economic, legal, administrative and other means to implement protective measures or forward-looking protective measures for assets with risks or imminent risks, in order to (ABD). A. Resolving asset risks B. Avoiding asset risks D. Minimizing losses

60. Countries and regions known as secret paradise generally have the characteristics of (ABD).

A. there are strict bank secrecy laws. B. there are loose financial rules.

C. there is political support. D. there are free company laws and strict company secrecy laws.

6 1 The basic principles of bank financial innovation include: legal compliance, fair competition, intellectual property protection, calculable costs, controllable risks, full disclosure of information, and safeguarding the interests of customers.

62. Specifically, in financial innovation activities, banks need to pay special attention to the following aspects to protect the interests of customers? (ABCD)

A. Prudent and conscientious B. Customer education C. Full information disclosure D. Customer asset isolation

Bank financial innovation mainly includes six aspects: strategic decision-making, institutional arrangement, institutional setup, staffing, management mode and financial products.

64. Financial leasing companies refer to non-bank financial institutions that are mainly engaged in leasing business with the approval of the CBRC.